Systems and methods for ghost card creation via a browser extension
Embodiments described herein disclose methods and systems for identifying that a user is accessing a retailer or service provider website and automatically enabling an interactive window that includes personalized user information. The system can detect that the user is accessing a payment webpage associated with the website, and, in response, generate a selectable list of payment instruments associated with the user. When the user selects a payment instrument, the system can create an electronic ghost card linked to the payment instrument and the electronic ghost card information can be input into the payment webpage.
1. A computer-implemented method for creating a virtual card for electronic purchases comprising:
detecting, via a web browser extension, that a user is accessing a payment webpage of a website associated with a merchant, the payment webpage being accessed via a computing device associated with the user,
wherein the payment webpage includes a virtual cart;
displaying a list of one or more payment cards associated with the user,
wherein, in response to the user selecting one of the one or more payment cards, a merchant-specific virtual card is created, wherein the merchant-specific virtual card is linked to the selected payment card and has a merchant-specific virtual card number that is different than a card number of the selected payment card;
automatically entering, via the web browser extension, information associated with the merchant-specific virtual card into a payment section of the payment webpage;
submitting the information associated with the merchant-specific virtual card as a transaction request for a purchase of one or more items in the virtual cart; and
in response to identifying that the user is subsequently accessing the payment webpage through the web browser extension, automatically displaying the merchant-specific virtual card.
2. The computer-implemented method of claim 1 , further comprising:
receiving a request to complete a transaction from the merchant using the merchant-specific virtual card; and
charging a pre-existing payment instrument linked to the merchant-specific virtual card for the transaction.
3. The computer-implemented method of claim 1 , further comprising:
in response to the user accessing the website, automatically enabling an interactive window, wherein the interactive window includes personalized information associated with the user.
4. The computer-implemented method of claim 1 , further comprising:
displaying an interactive window that includes budget information associated with the user.
5. The computer-implemented method of claim 1 , further comprising:
receiving, via the web browser extension, authentication credentials identifying the user.
6. The computer-implemented method of claim 1 , further comprising:
displaying, via the web browser extension, a list of merchant-specific virtual cards associated with a user account.
7. The computer-implemented method of claim 1 , further comprising:
selecting a payment card for the transaction request based on financial rewards associated with the payment card.
8. A system comprising:
one or more processors; and
one or more memories storing instructions that, when executed by the one or more processors, cause the system to perform a process for creating a virtual card for electronic purchases, the process comprising:
detecting, via a web browser extension, that a user is accessing a payment webpage of a website associated with a merchant, the payment webpage being accessed via a computing device associated with the user,
wherein the payment webpage includes a virtual cart;
displaying a list of one or more payment cards associated with the user,
wherein, in response to the user selecting one of the one or more payment cards, a merchant-specific virtual card is created, wherein the merchant-specific virtual card is linked to the selected payment card and has a merchant-specific virtual card number that is different than a card number of the selected payment card;
automatically entering, via the web browser extension, information associated with the merchant-specific virtual card into a payment section of the payment webpage;
submitting the information associated with the merchant-specific virtual card as a transaction request for a purchase of one or more items in the virtual cart; and
in response to identifying that the user is subsequently accessing the payment webpage through the web browser extension, automatically displaying the merchant-specific virtual card.
9. The system according to claim 8 , wherein the process further comprises:
receiving a request to complete a transaction from the merchant using the merchant-specific virtual card; and
charging a pre-existing payment instrument linked to the merchant-specific virtual card for the transaction.
10. The system according to claim 8 , wherein the process further comprises:
in response to the user accessing the website, automatically enabling an interactive window, wherein the interactive window includes personalized information associated with the user.
11. The system according to claim 8 , wherein the process further comprises:
displaying an interactive window that includes budget information associated with the user.
12. The system according to claim 8 , wherein the process further comprises:
receiving, via the web browser extension, authentication credentials identifying the user.
13. The system according to claim 8 , wherein the process further comprises:
displaying, via the web browser extension, a list of merchant-specific virtual cards associated with a user account.
14. The system according to claim 8 , wherein the process further comprises:
selecting a payment card for the transaction request based on financial rewards associated with the payment card.
15. A non-transitory computer-readable medium storing instructions that, when executed by a computing system, cause the computing system to perform operations for creating a virtual card for electronic purchases, the operations comprising:
detecting, via a web browser extension, that a user is accessing a payment webpage of a website associated with a merchant, the payment webpage being accessed via a computing device associated with the user,
wherein the payment webpage includes a virtual cart;
displaying a list of one or more payment cards associated with the user,
wherein, in response to the user selecting one of the one or more payment cards, a merchant-specific virtual card is created, wherein the merchant-specific virtual card is linked to the selected payment card and has a merchant-specific virtual card number that is different than a card number of the selected payment card;
automatically entering, via the web browser extension, information associated with the merchant-specific virtual card into a payment section of the payment webpage;
submitting the information associated with the merchant-specific virtual card as a transaction request for a purchase of one or more items in the virtual cart; and
in response to identifying that the user is subsequently accessing the payment webpage through the web browser extension, automatically displaying the merchant-specific virtual card.
16. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
receiving a request to complete a transaction from the merchant using the merchant-specific virtual card; and
charging a pre-existing payment instrument linked to the merchant-specific virtual card for the transaction.
17. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
in response to the user accessing the website, automatically enabling an interactive window, wherein the interactive window includes personalized information associated with the user.
18. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
displaying an interactive window that includes budget information associated with the user.
19. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
receiving, via the web browser extension, authentication credentials identifying the user.
20. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
displaying, via the web browser extension, a list of merchant-specific virtual cards associated with a user account.